I called the thread Argos Additions as thats who they were when I first used them but they later become Additions Direct who are now owned by Shop Direct Group. SDG also own other well known catalogue shops such as Additions Direct Choice Empire Stores Great Universal Kays Littlewoods Littlewoods Direct Littlewoods Ireland Marshall Ward Hopes this clarifys things.

But where do they actually say that in the letter, all I can see is where they admit they cant locate an agreement, or is it "between the lines" so to speak? As for the rest of your reply, I have copied and pasted it and will send it off asap so thanks for taking the time to advise on this, I really appreciate your help.

I thought as much. Thanks for the reply.

Hi Guys I just received this in response to my CCA request to Argos Additions 2 weeks before Xmas. What if anything is my next move and is their reply valid in any way. Thanks

Thanks for the link

Thanks for the input,will keep you all up to speed on whats going on, Cheers

Please help,I know you have probably all been busy over this weekend but I really need advice on this guys. Thanks

Below is a copy of the letter that I sent off to Robberscum Way: "Dear Sir/Madam CCA Request With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement upon request. Your obligation also extends to providing me with a Statement of Account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter. I also understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. Furthermore, since you are a Debt Collection Agency, I would also ask that you supply to me a signed true copy of the Executed Deed of Assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER : 1. - True copy of original credit agreement 2. - Statement of account 3. - Copy of the executed deed of assignment from Lloyds TSB Bank PLC and Robinson Way & Company Ltd 4. - Fair Processing Notice. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. Further to the above, please ensure that any contact by yourselves is made in writing only to the above address and should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. I must also insist that any representative of your company cease and desist from making any further telephone calls to my home,all calls are logged and will be forwarded to the relevant authorities if my wishes are not respected. ACCOUNT IN DISPUTE I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with iQor Recovery Services Ltd and has been since 3 March 2008. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998. As iQor Recovery Services are now in default of my Consumer Credit Act request, OFT Collection Guidelines, Subject Access Request and have also breached s10 Data Protection Act, I consider this account to be in SERIOUS DISPUTE and as such, you should be aware that while my Consumer Credit Act Request remains in default; enforcement action is NOT permitted and under s127of the Consumer Credit Act, this constitutes a complete defence at law. Now I would respectfully suggest that this account is returned to the original creditor(s) for resolution of these defaults and breaches, as Robinson Way & Company Ltd cannot lawfully pursue any enforcement activities. If Robinson Way & Company Ltd chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to,Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service. To clarify my position I do not have any debt with your organisation, I do not acknowledge any debt with your organisation and I shall not enter into any negotiations to settle any debt you claim I have with your organisation. I again invite you to provide the original agreement showing that it contains the prescribed terms and is signed by both the original creditor and myself. If you are unable to do so, then I would invite you to give consideration to writing the balance off and closing the account. Yours Faithfully" Their reply is in post#1 so if someone can further advise I will be very grateful. Thanks

Hi My wife has a Lloyds TSB Loan which has been defaulted on and to cut a long story short its been passed from various DCA`s and has now landed on RobbersScum Ways desk. We CCA`d them and they sent a reply which states "We can confirm that there is no Deed Of Assignment as we have not purchased the debt but are working on behalf of our client.Your data will be handled in line with the Data Protection Act 1998." Fistly,I doesn`t say who their client is. Although it states on the letter that the money is owed to Lloyds TSB,there were 2 previous DCA`s invloved before Robberscum got the account and therefore the client could be a previous DCA,is that right? Secondly, can a DCA hide under the line that just because they dont have a Deed of Assignment it still allows them to chase us as they are working "on behalf of our client" The 12 days rule is nearly up and as the previous 2 DCA`s couldnt produce a CCA I am doubtful that Robberscum Way can too. All thoughts and advice appreciated Thanks

Been reading this thread with interest and cant believe that they have started the ball rolling again after nearly a year of silence!! Which begs the question, how long can these DCA`s hound you,even though they cant provide CCA agreements it doesn`t seem to stop them trying. The stress of going through the processes all over again must affect your daily life so is it not possible to take them to court for harrassment? All the best PennyPenny,hope you dont get too down with their renewed requests for payment.

Thanks P1 Been away hence the late reply. I will SAR HSBC and check if any charges have been applied,but am still not sure if I can delay the CRAs untill i get answers from HSBC. Any thoughts on how i can delay them? Thanks

Hi Guys Its been 3 days now and no further answers hence the Bump. Please advise on my next course of action Thanks

Thanks Rory So,given that it looks like its enforceable, what options do i have now?? I am still in financial difficulties due to health reasons and there is no realistic way of repayment of this debt.Is bankruptcy the best way forward do you think, at least it will mean a clean slate in a few years instead of having this around my neck for decades. Or, are there any other options available? Cheers

ok i will check put Paul again Thanks Priority